DALY CITY, CA - OCTOBER 16: A woman carries a pillow and sleeping bag as she lines up in the parking lot of the Cow Palace for the Neighborhood Assistance Corporation of America (NACA) 'Save The Dream' event October 16, 2009 in Daly City, California. Thousands of people lined up for the NACA Save the Dream event for assistance with having their mortgages restructured to avoid foreclosure or an auction sale of their home. NACA has held events throughout the U.S. with over 180,000 people seeking help with their home loans. The event runs through October 20 and is expected to draw over 55,000 participants. (Photo by Justin Sullivan/Getty Images)